Home > Plaza Bank > Performance and Condition Ratios
Plaza Bank, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4643% | 269 |
| Cost of funding earning assets | 0.5189% | 2,115 |
| Net interest margin | 4.9454% | 253 |
| Noninterest income to average assets | 0.5099% | 2,968 |
| Noninterest expense to average assets | 2.8410% | 2,595 |
| Loan and lease loss provision to assets | 0.0376% | 3,355 |
| Net operating income to assets | 1.3784% | 1,135 |
| Return on assets (ROA) | 1.3784% | 1,153 |
| Pretax return on assets | 2.3581% | 271 |
| Return on Equity (ROE) | 12.1877% | 1,278 |
| Retained earnings to average equity (ytd only) | 9.3468% | 742 |
| Net charge-offs to loans | 0.0159% | 3,200 |
| Credit loss provision to net charge-offs | 283.0645% | 1,035 |
| Earnings coverage of net charge-offs (x) | 180.3943% | 474 |
| Efficiency ratio | 53.4359% | 4,974 |
| Assets per employee ($millions) | 7.8050% | 683 |
| Cash dividends to net income (ytd only)* | 23.3100% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 2,655 |
| Loan loss allowance to noncurrent loans | 308.6804% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.3479% | 3,645 |
| Noncurrent loans to loans | 0.4042% | 3,493 |
| Net loans and leases to total assets | 81.0796% | 827 |
| Net loans and leases to deposits | 96.0273% | 1,112 |
| Net loans and leases to core deposits | 113.1099% | 886 |
| Total domestic deposits to total assets | 84.4339% | 2,946 |
| Equity capital to assets | 11.3437% | 2,530 |
| Core capital (leverage) ratio | 10.7629% | 2,685 |
| Tier 1 risk-based capital ratio | 11.9655% | 4,652 |
| Total risk-based capital ratio | 13.1955% | 4,540 |
| Memoranda: | ||
| Average total assets | $1,244,935,000 | 615 |
| Average earning assets | $1,189,905,250 | 590 |
| Average equity | $140,794,000 | 579 |
| Average total loans | $1,041,400,750 | 520 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3053% | 329 |
| Cost of funding earning assets | 0.4955% | 2,204 |
| Net interest margin | 4.8098% | 316 |
| Noninterest income to average assets | 0.4937% | 3,060 |
| Noninterest expense to average assets | 2.8749% | 2,500 |
| Loan and lease loss provision to assets | 0.0132% | 3,692 |
| Net operating income to assets | 1.2868% | 1,332 |
| Return on assets (ROA) | 1.2868% | 1,359 |
| Pretax return on assets | 2.2024% | 352 |
| Return on Equity (ROE) | 11.3903% | 1,500 |
| Retained earnings to average equity (ytd only) | 7.0747% | 1,563 |
| Net charge-offs to loans | 0.0212% | 2,797 |
| Credit loss provision to net charge-offs | 73.6364% | 2,337 |
| Earnings coverage of net charge-offs (x) | 123.9364% | 565 |
| Efficiency ratio | 55.4928% | 4,879 |
| Assets per employee ($millions) | 7.2321% | 833 |
| Cash dividends to net income (ytd only)* | 37.8884% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 2,871 |
| Loan loss allowance to noncurrent loans | 273.9149% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.3895% | 3,556 |
| Noncurrent loans to loans | 0.4469% | 3,413 |
| Net loans and leases to total assets | 82.4732% | 608 |
| Net loans and leases to deposits | 96.0432% | 1,079 |
| Net loans and leases to core deposits | 112.9626% | 852 |
| Total domestic deposits to total assets | 85.8709% | 2,431 |
| Equity capital to assets | 11.1429% | 2,660 |
| Core capital (leverage) ratio | 10.9589% | 2,452 |
| Tier 1 risk-based capital ratio | 11.5005% | 4,957 |
| Total risk-based capital ratio | 12.7093% | 4,877 |
| Memoranda: | ||
| Average total assets | $1,230,640,670 | 619 |
| Average earning assets | $1,176,150,000 | 598 |
| Average equity | $139,030,000 | 586 |
| Average total loans | $1,036,084,000 | 519 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3051% | 316 |
| Cost of funding earning assets | 0.4806% | 2,243 |
| Net interest margin | 4.8245% | 301 |
| Noninterest income to average assets | 0.5226% | 2,821 |
| Noninterest expense to average assets | 2.9500% | 2,302 |
| Loan and lease loss provision to assets | -0.0996% | 5,750 |
| Net operating income to assets | 1.3324% | 1,161 |
| Return on assets (ROA) | 1.3324% | 1,191 |
| Pretax return on assets | 2.2764% | 315 |
| Return on Equity (ROE) | 11.7104% | 1,335 |
| Retained earnings to average equity (ytd only) | 11.7104% | 504 |
| Net charge-offs to loans | 0.0398% | 2,021 |
| Credit loss provision to net charge-offs | -296.0784% | 4,110 |
| Earnings coverage of net charge-offs (x) | 64.7255% | 762 |
| Efficiency ratio | 56.4538% | 4,894 |
| Assets per employee ($millions) | 7.2164% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 2,963 |
| Loan loss allowance to noncurrent loans | 215.1396% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.5016% | 3,210 |
| Noncurrent loans to loans | 0.5702% | 3,097 |
| Net loans and leases to total assets | 83.9349% | 373 |
| Net loans and leases to deposits | 101.3193% | 530 |
| Net loans and leases to core deposits | 123.7525% | 366 |
| Total domestic deposits to total assets | 82.8420% | 3,906 |
| Equity capital to assets | 11.6225% | 2,099 |
| Core capital (leverage) ratio | 10.9223% | 2,450 |
| Tier 1 risk-based capital ratio | 11.8490% | 4,814 |
| Total risk-based capital ratio | 13.0613% | 4,749 |
| Memoranda: | ||
| Average total assets | $1,213,151,500 | 630 |
| Average earning assets | $1,157,763,500 | 612 |
| Average equity | $138,031,500 | 585 |
| Average total loans | $1,025,759,000 | 524 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3438% | 329 |
| Cost of funding earning assets | 0.4498% | 2,536 |
| Net interest margin | 4.8940% | 293 |
| Noninterest income to average assets | 0.6574% | 2,383 |
| Noninterest expense to average assets | 3.2785% | 1,621 |
| Loan and lease loss provision to assets | 0.1452% | 1,720 |
| Net operating income to assets | 1.0622% | 2,080 |
| Return on assets (ROA) | 1.0689% | 2,145 |
| Pretax return on assets | 1.9032% | 617 |
| Return on Equity (ROE) | 9.4384% | 2,214 |
| Retained earnings to average equity (ytd only) | 7.0843% | 1,198 |
| Net charge-offs to loans | 0.0181% | 3,700 |
| Credit loss provision to net charge-offs | 939.0805% | 403 |
| Earnings coverage of net charge-offs (x) | 131.7931% | 472 |
| Efficiency ratio | 60.4624% | 4,513 |
| Assets per employee ($millions) | 7.6803% | 685 |
| Cash dividends to net income (ytd only)* | 24.9418% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 2,750 |
| Loan loss allowance to noncurrent loans | 502.9480% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 4,396 |
| Noncurrent loans to loans | 0.2509% | 4,255 |
| Net loans and leases to total assets | 83.0731% | 475 |
| Net loans and leases to deposits | 99.9022% | 678 |
| Net loans and leases to core deposits | 115.6188% | 634 |
| Total domestic deposits to total assets | 83.1544% | 3,716 |
| Equity capital to assets | 11.1365% | 2,496 |
| Core capital (leverage) ratio | 10.4446% | 2,938 |
| Tier 1 risk-based capital ratio | 11.3836% | 5,127 |
| Total risk-based capital ratio | 12.6324% | 5,025 |
| Memoranda: | ||
| Average total assets | $1,125,263,200 | 638 |
| Average earning assets | $1,071,260,400 | 616 |
| Average equity | $127,436,400 | 630 |
| Average total loans | $959,395,400 | 529 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3249% | 347 |
| Cost of funding earning assets | 0.4369% | 2,670 |
| Net interest margin | 4.8880% | 313 |
| Noninterest income to average assets | 0.6524% | 2,407 |
| Noninterest expense to average assets | 3.3118% | 1,537 |
| Loan and lease loss provision to assets | 0.1684% | 1,354 |
| Net operating income to assets | 0.9969% | 2,448 |
| Return on assets (ROA) | 1.0061% | 2,540 |
| Pretax return on assets | 1.8419% | 818 |
| Return on Equity (ROE) | 8.8428% | 2,581 |
| Retained earnings to average equity (ytd only) | 8.8428% | 866 |
| Net charge-offs to loans | 0.0058% | 3,706 |
| Credit loss provision to net charge-offs | 3,392.6829% | 153 |
| Earnings coverage of net charge-offs (x) | 402.0874% | 225 |
| Efficiency ratio | 61.1377% | 4,367 |
| Assets per employee ($millions) | 7.6898% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 2,768 |
| Loan loss allowance to noncurrent loans | 727.1493% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 4,848 |
| Noncurrent loans to loans | 0.1767% | 4,642 |
| Net loans and leases to total assets | 82.8526% | 527 |
| Net loans and leases to deposits | 96.3968% | 1,016 |
| Net loans and leases to core deposits | 112.8381% | 773 |
| Total domestic deposits to total assets | 85.9495% | 2,388 |
| Equity capital to assets | 10.8991% | 3,135 |
| Core capital (leverage) ratio | 10.8577% | 2,618 |
| Tier 1 risk-based capital ratio | 11.5740% | 5,043 |
| Total risk-based capital ratio | 12.8248% | 4,955 |
| Memoranda: | ||
| Average total assets | $1,101,286,250 | 652 |
| Average earning assets | $1,048,884,500 | 627 |
| Average equity | $125,296,500 | 639 |
| Average total loans | $942,386,750 | 536 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3240% | 340 |
| Cost of funding earning assets | 0.4290% | 2,746 |
| Net interest margin | 4.8950% | 318 |
| Noninterest income to average assets | 0.7260% | 2,027 |
| Noninterest expense to average assets | 3.3766% | 1,418 |
| Loan and lease loss provision to assets | 0.1675% | 1,333 |
| Net operating income to assets | 0.9560% | 2,599 |
| Return on assets (ROA) | 0.9701% | 2,665 |
| Pretax return on assets | 1.8566% | 771 |
| Return on Equity (ROE) | 8.3953% | 2,798 |
| Retained earnings to average equity (ytd only) | 8.3953% | 1,045 |
| Net charge-offs to loans | -0.0015% | 4,344 |
| Credit loss provision to net charge-offs | -12,814.2857% | 5,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4373% | 4,441 |
| Assets per employee ($millions) | 7.4305% | 723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 2,818 |
| Loan loss allowance to noncurrent loans | 1,433.1409% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 5,216 |
| Noncurrent loans to loans | 0.0903% | 5,092 |
| Net loans and leases to total assets | 85.4934% | 287 |
| Net loans and leases to deposits | 104.2508% | 449 |
| Net loans and leases to core deposits | 124.1892% | 403 |
| Total domestic deposits to total assets | 82.0074% | 3,994 |
| Equity capital to assets | 11.4428% | 2,604 |
| Core capital (leverage) ratio | 10.9720% | 2,460 |
| Tier 1 risk-based capital ratio | 11.7415% | 5,010 |
| Total risk-based capital ratio | 12.9926% | 4,891 |
| Memoranda: | ||
| Average total assets | $1,071,076,330 | 672 |
| Average earning assets | $1,018,064,000 | 649 |
| Average equity | $123,759,330 | 644 |
| Average total loans | $923,052,670 | 547 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3200% | 340 |
| Cost of funding earning assets | 0.4157% | 2,894 |
| Net interest margin | 4.9043% | 311 |
| Noninterest income to average assets | 0.6655% | 2,189 |
| Noninterest expense to average assets | 3.4726% | 1,230 |
| Loan and lease loss provision to assets | 0.2230% | 851 |
| Net operating income to assets | 0.6991% | 3,720 |
| Return on assets (ROA) | 0.7278% | 3,696 |
| Pretax return on assets | 1.6664% | 1,137 |
| Return on Equity (ROE) | 6.2668% | 3,849 |
| Retained earnings to average equity (ytd only) | 6.2668% | 2,249 |
| Net charge-offs to loans | -0.0035% | 4,208 |
| Credit loss provision to net charge-offs | -7,337.5000% | 5,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9091% | 4,142 |
| Assets per employee ($millions) | 7.2700% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 2,850 |
| Loan loss allowance to noncurrent loans | 1,193.3925% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 5,198 |
| Noncurrent loans to loans | 0.1098% | 5,038 |
| Net loans and leases to total assets | 85.8640% | 224 |
| Net loans and leases to deposits | 101.8646% | 515 |
| Net loans and leases to core deposits | 115.9123% | 595 |
| Total domestic deposits to total assets | 84.2923% | 3,400 |
| Equity capital to assets | 11.6166% | 2,325 |
| Core capital (leverage) ratio | 10.8504% | 2,569 |
| Tier 1 risk-based capital ratio | 11.5016% | 5,231 |
| Total risk-based capital ratio | 12.7540% | 5,137 |
| Memoranda: | ||
| Average total assets | $1,053,040,500 | 680 |
| Average earning assets | $998,794,000 | 661 |
| Average equity | $122,294,500 | 653 |
| Average total loans | $905,104,500 | 553 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2044% | 426 |
| Cost of funding earning assets | 0.4152% | 2,992 |
| Net interest margin | 4.7893% | 380 |
| Noninterest income to average assets | 1.0376% | 1,097 |
| Noninterest expense to average assets | 4.2465% | 518 |
| Loan and lease loss provision to assets | 0.2268% | 893 |
| Net operating income to assets | 0.7104% | 3,764 |
| Return on assets (ROA) | 0.7105% | 3,871 |
| Pretax return on assets | 1.0662% | 3,203 |
| Return on Equity (ROE) | 6.2499% | 3,927 |
| Retained earnings to average equity (ytd only) | -2.0103% | 5,751 |
| Net charge-offs to loans | 0.0334% | 3,542 |
| Credit loss provision to net charge-offs | 824.7387% | 416 |
| Earnings coverage of net charge-offs (x) | 47.0174% | 1,044 |
| Efficiency ratio | 75.2815% | 2,386 |
| Assets per employee ($millions) | 7.4090% | 741 |
| Cash dividends to net income (ytd only)* | 132.1645% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 2,920 |
| Loan loss allowance to noncurrent loans | 930.9061% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.1183% | 5,119 |
| Noncurrent loans to loans | 0.1394% | 4,937 |
| Net loans and leases to total assets | 83.7807% | 411 |
| Net loans and leases to deposits | 98.1893% | 802 |
| Net loans and leases to core deposits | 112.1035% | 765 |
| Total domestic deposits to total assets | 85.3257% | 2,936 |
| Equity capital to assets | 11.6103% | 2,272 |
| Core capital (leverage) ratio | 10.4776% | 2,956 |
| Tier 1 risk-based capital ratio | 11.4413% | 5,294 |
| Total risk-based capital ratio | 12.6957% | 5,191 |
| Memoranda: | ||
| Average total assets | $1,043,697,000 | 661 |
| Average earning assets | $981,069,800 | 646 |
| Average equity | $118,641,000 | 644 |
| Average total loans | $859,867,200 | 552 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2213% | 425 |
| Cost of funding earning assets | 0.4210% | 3,003 |
| Net interest margin | 4.8004% | 378 |
| Noninterest income to average assets | 1.0341% | 1,116 |
| Noninterest expense to average assets | 4.5947% | 385 |
| Loan and lease loss provision to assets | 0.1200% | 1,897 |
| Net operating income to assets | 0.3677% | 5,270 |
| Return on assets (ROA) | 0.3677% | 5,345 |
| Pretax return on assets | 0.8231% | 4,261 |
| Return on Equity (ROE) | 3.2525% | 5,297 |
| Retained earnings to average equity (ytd only) | -7.8227% | 6,089 |
| Net charge-offs to loans | -0.0052% | 4,836 |
| Credit loss provision to net charge-offs | -2,845.4545% | 5,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5824% | 1,449 |
| Assets per employee ($millions) | 6.9634% | 886 |
| Cash dividends to net income (ytd only)* | 340.5140% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2464% | 3,393 |
| Loan loss allowance to noncurrent loans | 605.5911% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.1666% | 5,089 |
| Noncurrent loans to loans | 0.2058% | 4,826 |
| Net loans and leases to total assets | 79.9405% | 830 |
| Net loans and leases to deposits | 93.4027% | 1,269 |
| Net loans and leases to core deposits | 107.2066% | 1,027 |
| Total domestic deposits to total assets | 85.5869% | 2,742 |
| Equity capital to assets | 11.3584% | 2,634 |
| Core capital (leverage) ratio | 10.1197% | 3,475 |
| Tier 1 risk-based capital ratio | 11.6223% | 5,311 |
| Total risk-based capital ratio | 12.8679% | 5,241 |
| Memoranda: | ||
| Average total assets | $1,043,455,000 | 670 |
| Average earning assets | $978,959,000 | 655 |
| Average equity | $117,979,000 | 654 |
| Average total loans | $853,150,500 | 556 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3150% | 354 |
| Cost of funding earning assets | 0.4233% | 3,005 |
| Net interest margin | 4.8916% | 304 |
| Noninterest income to average assets | 1.1064% | 989 |
| Noninterest expense to average assets | 5.2681% | 242 |
| Loan and lease loss provision to assets | 0.1393% | 1,567 |
| Net operating income to assets | -0.0208% | 6,010 |
| Return on assets (ROA) | -0.0208% | 6,038 |
| Pretax return on assets | 0.2735% | 5,700 |
| Return on Equity (ROE) | -0.1843% | 6,036 |
| Retained earnings to average equity (ytd only) | -0.1843% | 5,536 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3645% | 666 |
| Assets per employee ($millions) | 7.1634% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1926% | 3,836 |
| Loan loss allowance to noncurrent loans | 570.8825% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 5,190 |
| Noncurrent loans to loans | 0.2089% | 4,935 |
| Net loans and leases to total assets | 81.0060% | 671 |
| Net loans and leases to deposits | 96.5080% | 908 |
| Net loans and leases to core deposits | 111.3230% | 769 |
| Total domestic deposits to total assets | 83.9371% | 3,596 |
| Equity capital to assets | 11.9025% | 2,104 |
| Core capital (leverage) ratio | 10.4245% | 3,057 |
| Tier 1 risk-based capital ratio | 11.6636% | 5,360 |
| Total risk-based capital ratio | 12.8368% | 5,325 |
| Memoranda: | ||
| Average total assets | $1,047,745,330 | 673 |
| Average earning assets | $979,833,000 | 657 |
| Average equity | $118,286,000 | 652 |
| Average total loans | $859,450,000 | 547 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5289% | 246 |
| Cost of funding earning assets | 0.5941% | 1,477 |
| Net interest margin | 4.9348% | 278 |
| Noninterest income to average assets | 0.7495% | 1,920 |
| Noninterest expense to average assets | 3.4680% | 1,376 |
| Loan and lease loss provision to assets | 0.1858% | 1,020 |
| Net operating income to assets | 1.1546% | 1,688 |
| Return on assets (ROA) | 1.1546% | 1,791 |
| Pretax return on assets | 1.7788% | 900 |
| Return on Equity (ROE) | 10.6732% | 1,740 |
| Retained earnings to average equity (ytd only) | 10.6732% | 781 |
| Net charge-offs to loans | -0.0008% | 4,317 |
| Credit loss provision to net charge-offs | -26,100.0000% | 5,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1289% | 4,606 |
| Assets per employee ($millions) | 6.4021% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 3,386 |
| Loan loss allowance to noncurrent loans | 233.3090% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.4800% | 4,110 |
| Noncurrent loans to loans | 0.5582% | 3,910 |
| Net loans and leases to total assets | 84.8713% | 258 |
| Net loans and leases to deposits | 101.7470% | 469 |
| Net loans and leases to core deposits | 110.3872% | 729 |
| Total domestic deposits to total assets | 83.4140% | 4,039 |
| Equity capital to assets | 10.8159% | 3,179 |
| Core capital (leverage) ratio | 10.3477% | 3,169 |
| Tier 1 risk-based capital ratio | 11.0875% | 5,765 |
| Total risk-based capital ratio | 12.2328% | 5,746 |
| Memoranda: | ||
| Average total assets | $561,944,000 | 1,230 |
| Average earning assets | $533,272,000 | 1,196 |
| Average equity | $60,787,500 | 1,260 |
| Average total loans | $486,104,000 | 964 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4535% | 345 |
| Cost of funding earning assets | 0.6519% | 1,391 |
| Net interest margin | 4.8016% | 434 |
| Noninterest income to average assets | 1.1328% | 946 |
| Noninterest expense to average assets | 3.6289% | 1,251 |
| Loan and lease loss provision to assets | 0.2531% | 894 |
| Net operating income to assets | 1.0005% | 2,376 |
| Return on assets (ROA) | 0.9979% | 2,471 |
| Pretax return on assets | 1.7563% | 876 |
| Return on Equity (ROE) | 9.1243% | 2,528 |
| Retained earnings to average equity (ytd only) | 9.1243% | 683 |
| Net charge-offs to loans | 0.0449% | 3,929 |
| Credit loss provision to net charge-offs | 676.4103% | 391 |
| Earnings coverage of net charge-offs (x) | 53.8154% | 872 |
| Efficiency ratio | 63.5847% | 4,650 |
| Assets per employee ($millions) | 6.3690% | 1,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 3,603 |
| Loan loss allowance to noncurrent loans | 206.3744% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.5351% | 4,013 |
| Noncurrent loans to loans | 0.6148% | 3,840 |
| Net loans and leases to total assets | 85.9270% | 211 |
| Net loans and leases to deposits | 102.2122% | 505 |
| Net loans and leases to core deposits | 110.8308% | 742 |
| Total domestic deposits to total assets | 84.0673% | 3,687 |
| Equity capital to assets | 10.8189% | 3,101 |
| Core capital (leverage) ratio | 10.2740% | 3,203 |
| Tier 1 risk-based capital ratio | 11.3376% | 5,748 |
| Total risk-based capital ratio | 12.5883% | 5,667 |
| Memoranda: | ||
| Average total assets | $521,205,200 | 1,287 |
| Average earning assets | $489,501,800 | 1,255 |
| Average equity | $57,001,800 | 1,286 |
| Average total loans | $434,448,200 | 1,016 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4152% | 370 |
| Cost of funding earning assets | 0.6527% | 1,447 |
| Net interest margin | 4.7626% | 454 |
| Noninterest income to average assets | 1.1491% | 905 |
| Noninterest expense to average assets | 3.7386% | 1,064 |
| Loan and lease loss provision to assets | 0.1936% | 1,243 |
| Net operating income to assets | 0.9324% | 2,769 |
| Return on assets (ROA) | 0.9289% | 2,876 |
| Pretax return on assets | 1.6780% | 1,119 |
| Return on Equity (ROE) | 8.4692% | 2,960 |
| Retained earnings to average equity (ytd only) | 8.4692% | 1,164 |
| Net charge-offs to loans | -0.0057% | 5,319 |
| Credit loss provision to net charge-offs | -4,138.8889% | 6,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8289% | 4,240 |
| Assets per employee ($millions) | 6.1709% | 1,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 3,683 |
| Loan loss allowance to noncurrent loans | 115.8551% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.9612% | 3,044 |
| Noncurrent loans to loans | 1.1156% | 2,832 |
| Net loans and leases to total assets | 83.8331% | 344 |
| Net loans and leases to deposits | 99.3433% | 648 |
| Net loans and leases to core deposits | 106.2979% | 940 |
| Total domestic deposits to total assets | 84.3874% | 3,597 |
| Equity capital to assets | 11.0930% | 2,866 |
| Core capital (leverage) ratio | 10.1198% | 3,505 |
| Tier 1 risk-based capital ratio | 11.6568% | 5,700 |
| Total risk-based capital ratio | 12.9080% | 5,618 |
| Memoranda: | ||
| Average total assets | $512,980,250 | 1,323 |
| Average earning assets | $481,100,000 | 1,286 |
| Average equity | $56,265,250 | 1,307 |
| Average total loans | $422,499,000 | 1,038 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3900% | 380 |
| Cost of funding earning assets | 0.6504% | 1,514 |
| Net interest margin | 4.7397% | 456 |
| Noninterest income to average assets | 1.0760% | 1,028 |
| Noninterest expense to average assets | 3.7079% | 1,124 |
| Loan and lease loss provision to assets | 0.2031% | 1,183 |
| Net operating income to assets | 0.8738% | 2,944 |
| Return on assets (ROA) | 0.8685% | 3,054 |
| Pretax return on assets | 1.5882% | 1,282 |
| Return on Equity (ROE) | 7.9497% | 3,126 |
| Retained earnings to average equity (ytd only) | 7.9497% | 1,346 |
| Net charge-offs to loans | -0.0400% | 5,779 |
| Credit loss provision to net charge-offs | -622.8916% | 5,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5549% | 4,272 |
| Assets per employee ($millions) | 6.5839% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2983% | 3,856 |
| Loan loss allowance to noncurrent loans | 112.1018% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.9494% | 3,161 |
| Noncurrent loans to loans | 1.1582% | 2,909 |
| Net loans and leases to total assets | 79.7582% | 714 |
| Net loans and leases to deposits | 93.9875% | 959 |
| Net loans and leases to core deposits | 99.0370% | 1,364 |
| Total domestic deposits to total assets | 84.8605% | 3,579 |
| Equity capital to assets | 10.6405% | 3,266 |
| Core capital (leverage) ratio | 10.2055% | 3,331 |
| Tier 1 risk-based capital ratio | 11.7379% | 5,673 |
| Total risk-based capital ratio | 12.9890% | 5,614 |
| Memoranda: | ||
| Average total assets | $509,130,330 | 1,327 |
| Average earning assets | $476,025,670 | 1,292 |
| Average equity | $55,625,000 | 1,306 |
| Average total loans | $414,836,000 | 1,051 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3639% | 372 |
| Cost of funding earning assets | 0.6742% | 1,412 |
| Net interest margin | 4.6897% | 480 |
| Noninterest income to average assets | 1.3335% | 648 |
| Noninterest expense to average assets | 3.5071% | 1,472 |
| Loan and lease loss provision to assets | 0.0153% | 3,628 |
| Net operating income to assets | 1.3869% | 1,012 |
| Return on assets (ROA) | 1.3761% | 1,085 |
| Pretax return on assets | 2.1664% | 376 |
| Return on Equity (ROE) | 12.4217% | 1,307 |
| Retained earnings to average equity (ytd only) | 12.4217% | 555 |
| Net charge-offs to loans | -0.0816% | 6,043 |
| Credit loss provision to net charge-offs | -22.8916% | 4,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7052% | 5,309 |
| Assets per employee ($millions) | 6.2893% | 1,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2433% | 4,419 |
| Loan loss allowance to noncurrent loans | 93.6776% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 1.2138% | 2,837 |
| Noncurrent loans to loans | 1.3272% | 2,816 |
| Net loans and leases to total assets | 80.4653% | 499 |
| Net loans and leases to deposits | 101.6361% | 378 |
| Net loans and leases to core deposits | 107.3670% | 699 |
| Total domestic deposits to total assets | 79.1701% | 5,659 |
| Equity capital to assets | 11.1134% | 2,614 |
| Core capital (leverage) ratio | 10.4414% | 3,004 |
| Tier 1 risk-based capital ratio | 11.5229% | 5,905 |
| Total risk-based capital ratio | 12.7414% | 5,864 |
| Memoranda: | ||
| Average total assets | $497,049,000 | 1,362 |
| Average earning assets | $463,396,000 | 1,331 |
| Average equity | $55,065,000 | 1,311 |
| Average total loans | $406,784,000 | 1,075 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5777% | 322 |
| Cost of funding earning assets | 0.7205% | 1,673 |
| Net interest margin | 4.8573% | 390 |
| Noninterest income to average assets | 1.4691% | 648 |
| Noninterest expense to average assets | 3.9046% | 987 |
| Loan and lease loss provision to assets | 0.2994% | 1,123 |
| Net operating income to assets | 1.1428% | 1,786 |
| Return on assets (ROA) | 1.1428% | 1,852 |
| Pretax return on assets | 1.7871% | 777 |
| Return on Equity (ROE) | 10.1111% | 2,067 |
| Retained earnings to average equity (ytd only) | 10.1111% | 547 |
| Net charge-offs to loans | 0.0768% | 4,139 |
| Credit loss provision to net charge-offs | 482.3944% | 479 |
| Earnings coverage of net charge-offs (x) | 33.6162% | 1,078 |
| Efficiency ratio | 64.4001% | 4,836 |
| Assets per employee ($millions) | 6.4600% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2376% | 4,448 |
| Loan loss allowance to noncurrent loans | 91.6178% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.2461% | 2,930 |
| Noncurrent loans to loans | 1.3508% | 2,879 |
| Net loans and leases to total assets | 81.1929% | 477 |
| Net loans and leases to deposits | 99.5102% | 506 |
| Net loans and leases to core deposits | 103.9407% | 915 |
| Total domestic deposits to total assets | 81.5925% | 5,008 |
| Equity capital to assets | 11.0425% | 2,577 |
| Core capital (leverage) ratio | 10.2526% | 3,213 |
| Tier 1 risk-based capital ratio | 11.2157% | 6,069 |
| Total risk-based capital ratio | 12.4285% | 6,037 |
| Memoranda: | ||
| Average total assets | $457,568,000 | 1,450 |
| Average earning assets | $425,981,200 | 1,432 |
| Average equity | $51,715,400 | 1,376 |
| Average total loans | $370,003,400 | 1,153 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5756% | 331 |
| Cost of funding earning assets | 0.7252% | 1,773 |
| Net interest margin | 4.8504% | 393 |
| Noninterest income to average assets | 1.6105% | 567 |
| Noninterest expense to average assets | 3.8558% | 1,019 |
| Loan and lease loss provision to assets | 0.2452% | 1,463 |
| Net operating income to assets | 1.2718% | 1,424 |
| Return on assets (ROA) | 1.2718% | 1,497 |
| Pretax return on assets | 2.0257% | 551 |
| Return on Equity (ROE) | 11.1824% | 1,758 |
| Retained earnings to average equity (ytd only) | 11.1824% | 544 |
| Net charge-offs to loans | 0.0501% | 4,190 |
| Credit loss provision to net charge-offs | 607.3529% | 465 |
| Earnings coverage of net charge-offs (x) | 56.2570% | 795 |
| Efficiency ratio | 62.1694% | 5,111 |
| Assets per employee ($millions) | 5.9953% | 1,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 4,875 |
| Loan loss allowance to noncurrent loans | 104.2148% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 1.1973% | 3,260 |
| Noncurrent loans to loans | 1.1486% | 3,510 |
| Net loans and leases to total assets | 80.1449% | 530 |
| Net loans and leases to deposits | 95.4615% | 730 |
| Net loans and leases to core deposits | 100.0670% | 1,112 |
| Total domestic deposits to total assets | 83.9553% | 4,205 |
| Equity capital to assets | 11.2480% | 2,513 |
| Core capital (leverage) ratio | 10.4497% | 3,061 |
| Tier 1 risk-based capital ratio | 12.1243% | 5,701 |
| Total risk-based capital ratio | 13.3247% | 5,670 |
| Memoranda: | ||
| Average total assets | $449,220,750 | 1,486 |
| Average earning assets | $418,264,250 | 1,465 |
| Average equity | $51,090,750 | 1,398 |
| Average total loans | $361,600,000 | 1,183 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5638% | 346 |
| Cost of funding earning assets | 0.7168% | 1,943 |
| Net interest margin | 4.8470% | 407 |
| Noninterest income to average assets | 1.6042% | 616 |
| Noninterest expense to average assets | 3.8097% | 1,078 |
| Loan and lease loss provision to assets | 0.2925% | 1,238 |
| Net operating income to assets | 1.3131% | 1,291 |
| Return on assets (ROA) | 1.3131% | 1,374 |
| Pretax return on assets | 2.0123% | 593 |
| Return on Equity (ROE) | 11.5005% | 1,638 |
| Retained earnings to average equity (ytd only) | 11.5005% | 567 |
| Net charge-offs to loans | 0.0802% | 3,572 |
| Credit loss provision to net charge-offs | 454.2254% | 601 |
| Earnings coverage of net charge-offs (x) | 35.7958% | 1,012 |
| Efficiency ratio | 61.5425% | 5,238 |
| Assets per employee ($millions) | 5.6576% | 1,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 5,123 |
| Loan loss allowance to noncurrent loans | 73.2647% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 1.5679% | 2,763 |
| Noncurrent loans to loans | 1.6040% | 2,902 |
| Net loans and leases to total assets | 79.9727% | 541 |
| Net loans and leases to deposits | 98.7564% | 498 |
| Net loans and leases to core deposits | 103.7561% | 852 |
| Total domestic deposits to total assets | 80.9797% | 5,343 |
| Equity capital to assets | 11.2132% | 2,547 |
| Core capital (leverage) ratio | 10.9849% | 2,366 |
| Tier 1 risk-based capital ratio | 12.1012% | 5,733 |
| Total risk-based capital ratio | 13.2835% | 5,724 |
| Memoranda: | ||
| Average total assets | $441,083,670 | 1,508 |
| Average earning assets | $410,436,670 | 1,483 |
| Average equity | $50,363,000 | 1,420 |
| Average total loans | $354,069,670 | 1,202 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6201% | 306 |
| Cost of funding earning assets | 0.7349% | 1,962 |
| Net interest margin | 4.8852% | 347 |
| Noninterest income to average assets | 1.7288% | 532 |
| Noninterest expense to average assets | 4.0776% | 813 |
| Loan and lease loss provision to assets | 0.2495% | 1,445 |
| Net operating income to assets | 1.1721% | 1,608 |
| Return on assets (ROA) | 1.1721% | 1,717 |
| Pretax return on assets | 1.9317% | 686 |
| Return on Equity (ROE) | 10.1668% | 2,003 |
| Retained earnings to average equity (ytd only) | 10.1668% | 1,067 |
| Net charge-offs to loans | 0.1421% | 2,551 |
| Credit loss provision to net charge-offs | 219.6721% | 1,015 |
| Earnings coverage of net charge-offs (x) | 19.2049% | 1,232 |
| Efficiency ratio | 64.3760% | 4,949 |
| Assets per employee ($millions) | 5.6157% | 1,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1525% | 5,396 |
| Loan loss allowance to noncurrent loans | 85.9474% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 1.5778% | 2,894 |
| Noncurrent loans to loans | 1.3409% | 3,554 |
| Net loans and leases to total assets | 79.3999% | 480 |
| Net loans and leases to deposits | 102.0735% | 279 |
| Net loans and leases to core deposits | 107.0544% | 599 |
| Total domestic deposits to total assets | 77.7870% | 6,141 |
| Equity capital to assets | 11.4801% | 2,427 |
| Core capital (leverage) ratio | 11.0700% | 2,205 |
| Tier 1 risk-based capital ratio | 12.3146% | 5,707 |
| Total risk-based capital ratio | 13.4681% | 5,737 |
| Memoranda: | ||
| Average total assets | $429,662,500 | 1,569 |
| Average earning assets | $398,427,500 | 1,534 |
| Average equity | $49,534,000 | 1,465 |
| Average total loans | $343,391,500 | 1,236 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2817% | 963 |
| Cost of funding earning assets | 0.9412% | 1,698 |
| Net interest margin | 4.3405% | 1,307 |
| Noninterest income to average assets | 1.4988% | 702 |
| Noninterest expense to average assets | 3.9149% | 1,084 |
| Loan and lease loss provision to assets | 0.6019% | 914 |
| Net operating income to assets | 0.6227% | 4,129 |
| Return on assets (ROA) | 0.6227% | 4,392 |
| Pretax return on assets | 0.9616% | 3,696 |
| Return on Equity (ROE) | 5.0250% | 4,665 |
| Retained earnings to average equity (ytd only) | 5.0250% | 2,684 |
| Net charge-offs to loans | 0.6061% | 1,917 |
| Credit loss provision to net charge-offs | 129.2969% | 2,178 |
| Earnings coverage of net charge-offs (x) | 3.3588% | 3,761 |
| Efficiency ratio | 70.7539% | 3,663 |
| Assets per employee ($millions) | 5.4012% | 1,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 5,277 |
| Loan loss allowance to noncurrent loans | 54.1113% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 2.3755% | 2,065 |
| Noncurrent loans to loans | 2.1568% | 2,516 |
| Net loans and leases to total assets | 78.5728% | 614 |
| Net loans and leases to deposits | 93.8631% | 760 |
| Net loans and leases to core deposits | 98.5223% | 1,109 |
| Total domestic deposits to total assets | 83.7101% | 4,440 |
| Equity capital to assets | 11.5790% | 2,365 |
| Core capital (leverage) ratio | 10.8866% | 2,352 |
| Tier 1 risk-based capital ratio | 13.0512% | 5,071 |
| Total risk-based capital ratio | 14.2347% | 5,059 |
| Memoranda: | ||
| Average total assets | $384,964,600 | 1,695 |
| Average earning assets | $352,952,400 | 1,691 |
| Average equity | $47,701,600 | 1,462 |
| Average total loans | $295,646,600 | 1,419 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2640% | 1,074 |
| Cost of funding earning assets | 0.9756% | 1,706 |
| Net interest margin | 4.2884% | 1,507 |
| Noninterest income to average assets | 1.4834% | 681 |
| Noninterest expense to average assets | 3.9320% | 1,028 |
| Loan and lease loss provision to assets | 0.5150% | 1,179 |
| Net operating income to assets | 0.6420% | 4,183 |
| Return on assets (ROA) | 0.6420% | 4,438 |
| Pretax return on assets | 0.9577% | 3,887 |
| Return on Equity (ROE) | 5.0879% | 4,784 |
| Retained earnings to average equity (ytd only) | 5.0879% | 3,308 |
| Net charge-offs to loans | 0.5024% | 2,111 |
| Credit loss provision to net charge-offs | 134.8189% | 2,138 |
| Earnings coverage of net charge-offs (x) | 3.8552% | 3,488 |
| Efficiency ratio | 71.8186% | 3,360 |
| Assets per employee ($millions) | 5.5088% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 5,227 |
| Loan loss allowance to noncurrent loans | 42.3788% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 2.8330% | 1,857 |
| Noncurrent loans to loans | 2.8632% | 1,963 |
| Net loans and leases to total assets | 74.0710% | 1,237 |
| Net loans and leases to deposits | 88.2753% | 1,317 |
| Net loans and leases to core deposits | 92.4652% | 1,736 |
| Total domestic deposits to total assets | 83.9091% | 4,267 |
| Equity capital to assets | 11.7732% | 2,459 |
| Core capital (leverage) ratio | 10.9062% | 2,479 |
| Tier 1 risk-based capital ratio | 13.7780% | 4,701 |
| Total risk-based capital ratio | 15.0060% | 4,671 |
| Memoranda: | ||
| Average total assets | $375,881,500 | 1,756 |
| Average earning assets | $343,712,250 | 1,754 |
| Average equity | $47,431,500 | 1,485 |
| Average total loans | $285,824,750 | 1,475 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1896% | 1,283 |
| Cost of funding earning assets | 0.9935% | 1,802 |
| Net interest margin | 4.1962% | 1,766 |
| Noninterest income to average assets | 1.5419% | 619 |
| Noninterest expense to average assets | 4.1370% | 792 |
| Loan and lease loss provision to assets | 0.3494% | 1,882 |
| Net operating income to assets | 0.5228% | 4,707 |
| Return on assets (ROA) | 0.5228% | 4,981 |
| Pretax return on assets | 0.8881% | 4,123 |
| Return on Equity (ROE) | 4.0401% | 5,245 |
| Retained earnings to average equity (ytd only) | 4.0401% | 3,918 |
| Net charge-offs to loans | 0.7760% | 1,415 |
| Credit loss provision to net charge-offs | 58.9054% | 3,828 |
| Earnings coverage of net charge-offs (x) | 2.0863% | 3,945 |
| Efficiency ratio | 76.0008% | 2,743 |
| Assets per employee ($millions) | 5.2286% | 1,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0289% | 6,038 |
| Loan loss allowance to noncurrent loans | 24.5554% | 6,386 |
| Noncurrent assets plus other real estate owned to assets | 3.7956% | 1,367 |
| Noncurrent loans to loans | 4.1901% | 1,306 |
| Net loans and leases to total assets | 73.1170% | 1,378 |
| Net loans and leases to deposits | 87.3276% | 1,439 |
| Net loans and leases to core deposits | 91.3946% | 1,828 |
| Total domestic deposits to total assets | 83.7273% | 4,427 |
| Equity capital to assets | 12.3197% | 1,924 |
| Core capital (leverage) ratio | 11.3934% | 1,974 |
| Tier 1 risk-based capital ratio | 15.0093% | 3,765 |
| Total risk-based capital ratio | 16.0830% | 3,831 |
| Memoranda: | ||
| Average total assets | $363,455,670 | 1,817 |
| Average earning assets | $331,968,670 | 1,812 |
| Average equity | $47,028,000 | 1,483 |
| Average total loans | $277,836,330 | 1,512 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2751% | 1,155 |
| Cost of funding earning assets | 0.9850% | 2,070 |
| Net interest margin | 4.2901% | 1,505 |
| Noninterest income to average assets | 0.9189% | 1,670 |
| Noninterest expense to average assets | 4.1146% | 811 |
| Loan and lease loss provision to assets | 0.1410% | 3,591 |
| Net operating income to assets | 0.3332% | 5,541 |
| Return on assets (ROA) | 0.3332% | 5,714 |
| Pretax return on assets | 0.5664% | 5,222 |
| Return on Equity (ROE) | 2.5092% | 5,900 |
| Retained earnings to average equity (ytd only) | 2.5092% | 5,002 |
| Net charge-offs to loans | 0.3170% | 2,376 |
| Credit loss provision to net charge-offs | 57.1429% | 3,167 |
| Earnings coverage of net charge-offs (x) | 2.8664% | 3,032 |
| Efficiency ratio | 84.1981% | 1,667 |
| Assets per employee ($millions) | 4.8791% | 2,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 5,400 |
| Loan loss allowance to noncurrent loans | 22.8065% | 6,461 |
| Noncurrent assets plus other real estate owned to assets | 4.6781% | 1,130 |
| Noncurrent loans to loans | 5.3478% | 1,015 |
| Net loans and leases to total assets | 73.4098% | 1,148 |
| Net loans and leases to deposits | 87.9979% | 1,165 |
| Net loans and leases to core deposits | 92.5598% | 1,586 |
| Total domestic deposits to total assets | 83.4222% | 4,748 |
| Equity capital to assets | 12.6151% | 1,652 |
| Core capital (leverage) ratio | 12.4057% | 1,380 |
| Tier 1 risk-based capital ratio | 15.3774% | 3,513 |
| Total risk-based capital ratio | 16.6240% | 3,480 |
| Memoranda: | ||
| Average total assets | $351,725,000 | 1,881 |
| Average earning assets | $319,995,000 | 1,879 |
| Average equity | $46,708,500 | 1,489 |
| Average total loans | $273,833,000 | 1,539 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4994% | 1,174 |
| Cost of funding earning assets | 1.2155% | 1,929 |
| Net interest margin | 4.2839% | 1,757 |
| Noninterest income to average assets | 1.3249% | 737 |
| Noninterest expense to average assets | 3.9100% | 1,168 |
| Loan and lease loss provision to assets | 0.6612% | 1,542 |
| Net operating income to assets | 0.5195% | 4,344 |
| Return on assets (ROA) | 0.5195% | 4,555 |
| Pretax return on assets | 0.5198% | 4,933 |
| Return on Equity (ROE) | 3.7843% | 4,960 |
| Retained earnings to average equity (ytd only) | 3.7843% | 3,523 |
| Net charge-offs to loans | 0.1591% | 4,872 |
| Credit loss provision to net charge-offs | 551.1335% | 417 |
| Earnings coverage of net charge-offs (x) | 9.8438% | 1,923 |
| Efficiency ratio | 75.7806% | 2,918 |
| Assets per employee ($millions) | 4.4951% | 2,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 5,068 |
| Loan loss allowance to noncurrent loans | 20.9613% | 6,582 |
| Noncurrent assets plus other real estate owned to assets | 5.6704% | 891 |
| Noncurrent loans to loans | 6.0560% | 813 |
| Net loans and leases to total assets | 80.7600% | 422 |
| Net loans and leases to deposits | 101.9952% | 379 |
| Net loans and leases to core deposits | 106.5588% | 773 |
| Total domestic deposits to total assets | 79.1802% | 5,951 |
| Equity capital to assets | 14.0209% | 1,050 |
| Core capital (leverage) ratio | 12.2409% | 1,468 |
| Tier 1 risk-based capital ratio | 15.5714% | 3,280 |
| Total risk-based capital ratio | 16.8260% | 3,236 |
| Memoranda: | ||
| Average total assets | $330,891,400 | 1,953 |
| Average earning assets | $290,902,800 | 2,013 |
| Average equity | $45,424,800 | 1,499 |
| Average total loans | $249,480,800 | 1,676 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4516% | 1,390 |
| Cost of funding earning assets | 1.2542% | 1,972 |
| Net interest margin | 4.1974% | 2,110 |
| Noninterest income to average assets | 1.2310% | 861 |
| Noninterest expense to average assets | 3.8798% | 1,186 |
| Loan and lease loss provision to assets | 0.3950% | 2,489 |
| Net operating income to assets | 0.5148% | 4,474 |
| Return on assets (ROA) | 0.5148% | 4,669 |
| Pretax return on assets | 0.6169% | 4,752 |
| Return on Equity (ROE) | 3.7705% | 5,094 |
| Retained earnings to average equity (ytd only) | 3.7705% | 4,055 |
| Net charge-offs to loans | 0.2023% | 4,185 |
| Credit loss provision to net charge-offs | 264.5946% | 1,078 |
| Earnings coverage of net charge-offs (x) | 6.7784% | 2,486 |
| Efficiency ratio | 78.2827% | 2,510 |
| Assets per employee ($millions) | 5.1640% | 1,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9211% | 6,531 |
| Loan loss allowance to noncurrent loans | 12.8326% | 6,855 |
| Noncurrent assets plus other real estate owned to assets | 5.8158% | 936 |
| Noncurrent loans to loans | 7.1774% | 680 |
| Net loans and leases to total assets | 70.9180% | 1,915 |
| Net loans and leases to deposits | 86.9745% | 1,558 |
| Net loans and leases to core deposits | 90.7990% | 2,148 |
| Total domestic deposits to total assets | 81.5389% | 5,241 |
| Equity capital to assets | 13.1255% | 1,549 |
| Core capital (leverage) ratio | 12.3288% | 1,521 |
| Tier 1 risk-based capital ratio | 16.2139% | 3,007 |
| Total risk-based capital ratio | 17.1623% | 3,118 |
| Memoranda: | ||
| Average total assets | $330,454,250 | 1,964 |
| Average earning assets | $288,200,250 | 2,040 |
| Average equity | $45,121,250 | 1,508 |
| Average total loans | $243,827,500 | 1,729 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5787% | 1,113 |
| Cost of funding earning assets | 1.3213% | 1,814 |
| Net interest margin | 4.2573% | 1,813 |
| Noninterest income to average assets | 1.3593% | 689 |
| Noninterest expense to average assets | 3.9499% | 1,116 |
| Loan and lease loss provision to assets | 0.5514% | 1,760 |
| Net operating income to assets | 0.5508% | 4,308 |
| Return on assets (ROA) | 0.5508% | 4,439 |
| Pretax return on assets | 0.5545% | 4,895 |
| Return on Equity (ROE) | 3.9778% | 4,953 |
| Retained earnings to average equity (ytd only) | 3.9778% | 3,669 |
| Net charge-offs to loans | 0.0008% | 5,873 |
| Credit loss provision to net charge-offs | 89,200.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 1,789.0000% | 5 |
| Efficiency ratio | 77.1121% | 2,839 |
| Assets per employee ($millions) | 4.6050% | 2,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0512% | 6,138 |
| Loan loss allowance to noncurrent loans | 14.1611% | 6,880 |
| Noncurrent assets plus other real estate owned to assets | 6.5733% | 808 |
| Noncurrent loans to loans | 7.4232% | 651 |
| Net loans and leases to total assets | 75.8354% | 1,091 |
| Net loans and leases to deposits | 94.6136% | 829 |
| Net loans and leases to core deposits | 99.3001% | 1,405 |
| Total domestic deposits to total assets | 80.1528% | 5,785 |
| Equity capital to assets | 14.1447% | 1,049 |
| Core capital (leverage) ratio | 12.4586% | 1,381 |
| Tier 1 risk-based capital ratio | 16.4683% | 2,760 |
| Total risk-based capital ratio | 17.5581% | 2,802 |
| Memoranda: | ||
| Average total assets | $323,556,000 | 2,003 |
| Average earning assets | $280,928,000 | 2,094 |
| Average equity | $44,798,330 | 1,505 |
| Average total loans | $241,322,330 | 1,767 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4304% | 1,478 |
| Cost of funding earning assets | 1.3605% | 1,828 |
| Net interest margin | 4.0700% | 2,391 |
| Noninterest income to average assets | 1.0661% | 1,155 |
| Noninterest expense to average assets | 3.9857% | 1,054 |
| Loan and lease loss provision to assets | 0.3060% | 2,722 |
| Net operating income to assets | 0.2739% | 5,527 |
| Return on assets (ROA) | 0.2739% | 5,585 |
| Pretax return on assets | 0.2813% | 5,711 |
| Return on Equity (ROE) | 2.0000% | 5,786 |
| Retained earnings to average equity (ytd only) | 2.0000% | 4,928 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0496% | 1,709 |
| Assets per employee ($millions) | 4.9868% | 2,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7982% | 6,924 |
| Loan loss allowance to noncurrent loans | 8.9021% | 7,024 |
| Noncurrent assets plus other real estate owned to assets | 7.1607% | 732 |
| Noncurrent loans to loans | 8.9665% | 501 |
| Net loans and leases to total assets | 72.6831% | 1,574 |
| Net loans and leases to deposits | 95.8475% | 700 |
| Net loans and leases to core deposits | 100.6445% | 1,285 |
| Total domestic deposits to total assets | 75.8320% | 6,694 |
| Equity capital to assets | 13.3720% | 1,228 |
| Core capital (leverage) ratio | 12.1762% | 1,466 |
| Tier 1 risk-based capital ratio | 16.9864% | 2,480 |
| Total risk-based capital ratio | 17.8564% | 2,597 |
| Memoranda: | ||
| Average total assets | $324,160,000 | 2,012 |
| Average earning assets | $279,314,000 | 2,117 |
| Average equity | $44,400,000 | 1,504 |
| Average total loans | $238,458,000 | 1,803 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3925% | 2,706 |
| Cost of funding earning assets | 1.5119% | 2,565 |
| Net interest margin | 3.8806% | 3,588 |
| Noninterest income to average assets | 2.2226% | 335 |
| Noninterest expense to average assets | 4.5580% | 616 |
| Loan and lease loss provision to assets | 0.3826% | 3,818 |
| Net operating income to assets | 1.6200% | 602 |
| Return on assets (ROA) | 1.6200% | 646 |
| Pretax return on assets | 0.7212% | 3,898 |
| Return on Equity (ROE) | 12.2042% | 1,277 |
| Retained earnings to average equity (ytd only) | 12.2042% | 259 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7787% | 2,446 |
| Assets per employee ($millions) | 4.7607% | 2,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7350% | 7,078 |
| Loan loss allowance to noncurrent loans | 12.1062% | 7,059 |
| Noncurrent assets plus other real estate owned to assets | 4.5973% | 1,449 |
| Noncurrent loans to loans | 6.0711% | 1,019 |
| Net loans and leases to total assets | 73.3313% | 1,802 |
| Net loans and leases to deposits | 95.8297% | 882 |
| Net loans and leases to core deposits | 100.6364% | 1,564 |
| Total domestic deposits to total assets | 76.5226% | 6,565 |
| Equity capital to assets | 14.0425% | 1,022 |
| Core capital (leverage) ratio | 11.8204% | 1,658 |
| Tier 1 risk-based capital ratio | 19.0928% | 1,694 |
| Total risk-based capital ratio | 19.9500% | 1,760 |
| Memoranda: | ||
| Average total assets | $240,982,800 | 2,625 |
| Average earning assets | $213,573,600 | 2,707 |
| Average equity | $31,989,000 | 2,050 |
| Average total loans | $170,956,200 | 2,455 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9741% | 4,930 |
| Cost of funding earning assets | 1.4804% | 3,087 |
| Net interest margin | 3.4938% | 5,316 |
| Noninterest income to average assets | 4.3703% | 158 |
| Noninterest expense to average assets | 4.2841% | 756 |
| Loan and lease loss provision to assets | 0.3587% | 3,744 |
| Net operating income to assets | 2.2777% | 199 |
| Return on assets (ROA) | 2.2777% | 215 |
| Pretax return on assets | 2.8788% | 141 |
| Return on Equity (ROE) | 17.5159% | 530 |
| Retained earnings to average equity (ytd only) | 17.5159% | 122 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7346% | 6,455 |
| Assets per employee ($millions) | 5.2179% | 1,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6070% | 7,342 |
| Loan loss allowance to noncurrent loans | 17.0173% | 7,003 |
| Noncurrent assets plus other real estate owned to assets | 2.2867% | 3,097 |
| Noncurrent loans to loans | 3.5667% | 2,198 |
| Net loans and leases to total assets | 62.9029% | 4,347 |
| Net loans and leases to deposits | 82.3235% | 3,042 |
| Net loans and leases to core deposits | 87.0072% | 3,524 |
| Total domestic deposits to total assets | 76.4095% | 6,588 |
| Equity capital to assets | 12.1272% | 2,077 |
| Core capital (leverage) ratio | 12.2213% | 1,555 |
| Tier 1 risk-based capital ratio | 19.3275% | 1,679 |
| Total risk-based capital ratio | 20.0589% | 1,761 |
| Memoranda: | ||
| Average total assets | $222,677,500 | 2,876 |
| Average earning assets | $200,847,250 | 2,904 |
| Average equity | $28,955,750 | 2,275 |
| Average total loans | $155,666,250 | 2,717 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9849% | 5,009 |
| Cost of funding earning assets | 1.4406% | 3,613 |
| Net interest margin | 3.5442% | 5,070 |
| Noninterest income to average assets | 0.6965% | 2,727 |
| Noninterest expense to average assets | 4.6616% | 489 |
| Loan and lease loss provision to assets | 0.4138% | 3,248 |
| Net operating income to assets | -1.0617% | 6,972 |
| Return on assets (ROA) | -1.0617% | 6,987 |
| Pretax return on assets | -1.0605% | 6,917 |
| Return on Equity (ROE) | -7.8075% | 6,879 |
| Retained earnings to average equity (ytd only) | -7.8075% | 6,799 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.0800% | 463 |
| Assets per employee ($millions) | 4.0396% | 3,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7719% | 7,094 |
| Loan loss allowance to noncurrent loans | 84.2491% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.8128% | 5,497 |
| Noncurrent loans to loans | 0.9162% | 5,446 |
| Net loans and leases to total assets | 76.2408% | 1,440 |
| Net loans and leases to deposits | 97.2848% | 937 |
| Net loans and leases to core deposits | 101.2257% | 1,903 |
| Total domestic deposits to total assets | 78.3687% | 6,184 |
| Equity capital to assets | 12.2847% | 1,932 |
| Core capital (leverage) ratio | 10.3899% | 2,725 |
| Tier 1 risk-based capital ratio | 12.4694% | 4,889 |
| Total risk-based capital ratio | 13.2530% | 5,277 |
| Memoranda: | ||
| Average total assets | $176,892,000 | 3,489 |
| Average earning assets | $165,621,330 | 3,419 |
| Average equity | $24,053,670 | 2,690 |
| Average total loans | $131,603,330 | 3,169 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8889% | 5,513 |
| Cost of funding earning assets | 1.5179% | 3,437 |
| Net interest margin | 3.3709% | 5,701 |
| Noninterest income to average assets | 0.4727% | 4,268 |
| Noninterest expense to average assets | 4.9196% | 387 |
| Loan and lease loss provision to assets | 0.5654% | 2,235 |
| Net operating income to assets | -1.8600% | 7,428 |
| Return on assets (ROA) | -1.8600% | 7,433 |
| Pretax return on assets | -1.8576% | 7,371 |
| Return on Equity (ROE) | -12.9579% | 7,252 |
| Retained earnings to average equity (ytd only) | -12.9579% | 7,114 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.0183% | 281 |
| Assets per employee ($millions) | 4.1384% | 3,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7754% | 7,186 |
| Loan loss allowance to noncurrent loans | 87.0528% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.7288% | 5,706 |
| Noncurrent loans to loans | 0.8908% | 5,539 |
| Net loans and leases to total assets | 73.4895% | 2,085 |
| Net loans and leases to deposits | 94.6158% | 1,280 |
| Net loans and leases to core deposits | 99.4207% | 2,189 |
| Total domestic deposits to total assets | 77.6715% | 6,406 |
| Equity capital to assets | 13.3935% | 1,367 |
| Core capital (leverage) ratio | 11.6515% | 1,828 |
| Tier 1 risk-based capital ratio | 14.1609% | 3,558 |
| Total risk-based capital ratio | 14.9513% | 3,818 |
| Memoranda: | ||
| Average total assets | $168,388,000 | 3,686 |
| Average earning assets | $157,583,000 | 3,618 |
| Average equity | $24,170,500 | 2,704 |
| Average total loans | $122,914,500 | 3,407 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0181% | 7,879 |
| Cost of funding earning assets | 1.3044% | 6,293 |
| Net interest margin | 1.7137% | 7,828 |
| Noninterest income to average assets | 1.0732% | 1,336 |
| Noninterest expense to average assets | 3.7056% | 1,899 |
| Loan and lease loss provision to assets | 0.5934% | 3,425 |
| Net operating income to assets | -1.6537% | 6,936 |
| Return on assets (ROA) | -1.6537% | 6,940 |
| Pretax return on assets | -1.6537% | 6,789 |
| Return on Equity (ROE) | -14.6111% | 6,917 |
| Retained earnings to average equity (ytd only) | -14.6111% | 6,864 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.4864% | 379 |
| Assets per employee ($millions) | 3.7815% | 4,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6875% | 7,397 |
| Loan loss allowance to noncurrent loans | 93.5561% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.5969% | 5,968 |
| Noncurrent loans to loans | 0.7349% | 5,785 |
| Net loans and leases to total assets | 71.3035% | 2,925 |
| Net loans and leases to deposits | 91.3842% | 1,988 |
| Net loans and leases to core deposits | 198.8813% | 105 |
| Total domestic deposits to total assets | 78.0260% | 6,209 |
| Equity capital to assets | 15.4303% | 808 |
| Core capital (leverage) ratio | 13.0732% | 1,231 |
| Tier 1 risk-based capital ratio | 16.2709% | 2,404 |
| Total risk-based capital ratio | 16.9460% | 2,584 |
| Memoranda: | ||
| Average total assets | $132,125,200 | 4,298 |
| Average earning assets | $121,203,000 | 4,285 |
| Average equity | $14,954,400 | 4,067 |
| Average total loans | $89,806,200 | 4,216 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3578% | 8,018 |
| Cost of funding earning assets | 1.1241% | 7,119 |
| Net interest margin | 1.2336% | 7,986 |
| Noninterest income to average assets | 0.6515% | 3,340 |
| Noninterest expense to average assets | 2.6464% | 5,536 |
| Loan and lease loss provision to assets | 0.5612% | 3,145 |
| Net operating income to assets | -1.4305% | 7,076 |
| Return on assets (ROA) | -1.4305% | 7,070 |
| Pretax return on assets | -1.4305% | 6,925 |
| Return on Equity (ROE) | -14.2813% | 7,153 |
| Retained earnings to average equity (ytd only) | -14.2813% | 7,090 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.5048% | 330 |
| Assets per employee ($millions) | 3.9704% | 3,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5206% | 7,687 |
| Loan loss allowance to noncurrent loans | 125.1185% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.2915% | 6,760 |
| Noncurrent loans to loans | 0.4161% | 6,504 |
| Net loans and leases to total assets | 63.5276% | 4,968 |
| Net loans and leases to deposits | 81.5645% | 4,104 |
| Net loans and leases to core deposits | 151.2624% | 555 |
| Total domestic deposits to total assets | 77.8864% | 6,117 |
| Equity capital to assets | 15.2781% | 932 |
| Core capital (leverage) ratio | 12.6125% | 1,534 |
| Tier 1 risk-based capital ratio | 17.3415% | 2,173 |
| Total risk-based capital ratio | 17.8356% | 2,353 |
| Memoranda: | ||
| Average total assets | $125,450,500 | 4,465 |
| Average earning assets | $114,455,500 | 4,464 |
| Average equity | $12,566,250 | 4,646 |
| Average total loans | $83,750,000 | 4,424 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8996% | 8,163 |
| Cost of funding earning assets | 0.4720% | 8,047 |
| Net interest margin | 0.4275% | 8,146 |
| Noninterest income to average assets | 0.1277% | 7,332 |
| Noninterest expense to average assets | 1.0496% | 8,116 |
| Loan and lease loss provision to assets | 0.4321% | 3,398 |
| Net operating income to assets | -0.9674% | 6,953 |
| Return on assets (ROA) | -0.9674% | 6,955 |
| Pretax return on assets | -0.9674% | 6,794 |
| Return on Equity (ROE) | -12.7610% | 7,214 |
| Retained earnings to average equity (ytd only) | -12.7610% | 7,100 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 201.7007% | 194 |
| Assets per employee ($millions) | 3.8857% | 3,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2685% | 8,015 |
| Loan loss allowance to noncurrent loans | 19.6970% | 7,147 |
| Noncurrent assets plus other real estate owned to assets | 0.7871% | 5,429 |
| Noncurrent loans to loans | 1.3633% | 4,490 |
| Net loans and leases to total assets | 57.5800% | 6,025 |
| Net loans and leases to deposits | 71.3465% | 5,831 |
| Net loans and leases to core deposits | 117.7408% | 2,565 |
| Total domestic deposits to total assets | 80.7048% | 5,189 |
| Equity capital to assets | 11.1258% | 2,814 |
| Core capital (leverage) ratio | 8.1431% | 6,092 |
| Tier 1 risk-based capital ratio | 11.7366% | 5,155 |
| Total risk-based capital ratio | 11.9904% | 6,083 |
| Memoranda: | ||
| Average total assets | $114,328,670 | 4,763 |
| Average earning assets | $103,382,670 | 4,806 |
| Average equity | $8,667,000 | 5,789 |
| Average total loans | $77,860,000 | 4,660 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6951% | 7,515 |
| Cost of funding earning assets | 2.6056% | 1,547 |
| Net interest margin | 2.0894% | 7,855 |
| Noninterest income to average assets | 0.1220% | 7,414 |
| Noninterest expense to average assets | 6.8426% | 209 |
| Loan and lease loss provision to assets | 1.4069% | 904 |
| Net operating income to assets | -6.2938% | 8,104 |
| Return on assets (ROA) | -6.2938% | 8,095 |
| Pretax return on assets | -6.2938% | 8,064 |
| Return on Equity (ROE) | -139.6810% | 8,171 |
| Retained earnings to average equity (ytd only) | -139.6810% | 8,169 |
| Net charge-offs to loans | 0.6723% | 1,837 |
| Credit loss provision to net charge-offs | 271.4286% | 1,760 |
| Earnings coverage of net charge-offs (x) | -9.4286% | 5,614 |
| Efficiency ratio | 348.3296% | 63 |
| Assets per employee ($millions) | 2.3404% | 7,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6769% | 2,218 |
| Loan loss allowance to noncurrent loans | 62.0318% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 2.0311% | 2,846 |
| Noncurrent loans to loans | 2.7033% | 2,428 |
| Net loans and leases to total assets | 73.8758% | 2,788 |
| Net loans and leases to deposits | 76.9654% | 5,089 |
| Net loans and leases to core deposits | 101.8930% | 4,357 |
| Total domestic deposits to total assets | 95.9857% | 16 |
| Equity capital to assets | 3.5589% | 8,183 |
| Core capital (leverage) ratio | 3.6959% | 8,178 |
| Tier 1 risk-based capital ratio | 4.3992% | 8,194 |
| Total risk-based capital ratio | 5.6533% | 8,192 |
| Memoranda: | ||
| Average total assets | $91,836,000 | 5,428 |
| Average earning assets | $80,595,500 | 5,532 |
| Average equity | $4,138,000 | 7,401 |
| Average total loans | $70,800,000 | 4,952 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1725% | 4,653 |
| Cost of funding earning assets | 3.0694% | 1,606 |
| Net interest margin | 3.1031% | 6,647 |
| Noninterest income to average assets | 0.0845% | 7,718 |
| Noninterest expense to average assets | 5.7473% | 452 |
| Loan and lease loss provision to assets | 1.3412% | 1,056 |
| Net operating income to assets | -4.1954% | 8,014 |
| Return on assets (ROA) | -4.1954% | 7,999 |
| Pretax return on assets | -4.1941% | 7,924 |
| Return on Equity (ROE) | -48.1246% | 8,141 |
| Retained earnings to average equity (ytd only) | -48.1246% | 8,123 |
| Net charge-offs to loans | 0.9381% | 1,316 |
| Credit loss provision to net charge-offs | 172.8571% | 2,952 |
| Earnings coverage of net charge-offs (x) | -3.6768% | 6,796 |
| Efficiency ratio | 198.2288% | 203 |
| Assets per employee ($millions) | 2.3707% | 7,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4460% | 2,945 |
| Loan loss allowance to noncurrent loans | 53.9742% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 2.1228% | 2,312 |
| Noncurrent loans to loans | 2.6791% | 2,020 |
| Net loans and leases to total assets | 78.0904% | 2,113 |
| Net loans and leases to deposits | 83.1446% | 4,561 |
| Net loans and leases to core deposits | 91.2551% | 5,697 |
| Total domestic deposits to total assets | 93.9212% | 33 |
| Equity capital to assets | 5.5418% | 8,129 |
| Core capital (leverage) ratio | 5.9027% | 8,108 |
| Tier 1 risk-based capital ratio | 6.7927% | 8,189 |
| Total risk-based capital ratio | 8.0487% | 8,199 |
| Memoranda: | ||
| Average total assets | $72,173,600 | 5,957 |
| Average earning assets | $65,354,800 | 5,983 |
| Average equity | $6,292,000 | 6,706 |
| Average total loans | $59,693,000 | 5,282 |